CCertihomes
41 Owego Street, Cortland, NY 13045

$178,000

6 beds 3 baths 2,344 sqft Built 190044 days on marketActive

About this home

Welcome to this exceptional three-unit apartment building located in the heart of Cortland, offering an ideal investment opportunity or a perfect multi-family living arrangement. This property features three distinct apartments: a spacious four-bedroom, one-bath unit; a cozy one-bedroom, one-bath unit; and an additional one-bedroom apartment. Each residence is designed for comfort and convenience, catering to a variety of lifestyles. Situated close to all city amenities, including shopping, dining, and parks, this property boasts a prime location that enhances its appeal. The exterior is equally impressive, featuring a newer roof, a fully fenced yard for added privacy, and a three-car garage, providing ample parking and storage space. Don’t miss out on this rare opportunity to own a versatile property in a vibrant area. Schedule a viewing today!

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$2,761/mo

Real estate (PITI + HOA + PMI)
$1,912
Principal + interest$1,142
Property tax + insurance$703
PMI / 2nd mortgage$67
Utilities
$1,644
Heating + cooling$670
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$2,761/mo TLC
Budget$5,000/mo
Remaining after TLC$2,239/mo
Purchase price
$178,000
Down payment
$8,900 (5%)
Loan amount
$169,100
APR
7.15%

Quick facts

Type
MultiFamily
Style
Triplex
Year built
1900
Lot size
0.3233 ac
Stories
2
Heating
Gas, ForcedAir, WallFurnace
Cooling
Water
Connected, Public
HOA
Annual tax
$5,345
MLS #
S1618152
County
Cortland

At a glance

Basement
Garage (3)

Home features

Appliances
GasWaterHeater
Exterior
FullyFenced
Parking
Gravel
Flooring
Carpet, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

FlagLot, ResidentialLot

Neighborhood — 13045

MetricThis ZIPCountyUSA
Population28,78519,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density273395
Male13,7149,381,926147,432,321
Female15,0709,969,168151,655,844
Never Married9,0554,946,39163,775,926
Married9,6337,166,701123,120,365
Separated1,8741,159,67312,639,686
Widowed1,7491,110,24515,467,586
Divorced2,1291,210,44823,075,029
Number Of House Hold10,1437,102,016111,826,380
Average House Hold Size2.512.642.60
Medial Age31.8336.5335.46
Median House Hold Income$34,625$49,847$48,276
Average House Hold Income$44,673$70,032$63,629
P C I$16,699$26,569$24,529
M D I$30,687$42,210$41,133
A T H E$40,548$54,185$50,898
S T R8.00%4.00%
W C J78.84%81.55%77.74%
(Zip) Code
13045

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

Open in Google Maps →

Listing information last refreshed 6/27/2025. Provided courtesy of Hage Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.